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The cost of health insurance continues to climb unabated. As the number of uninsured in America swells to 45 million people, many look to our political leaders for answers and relief. Presidential campaign rhetoric about how to control skyrocketing health care costs provides only short-term solutions focused on the sticker price. But the administration should address long-term In 2002, the United States spent $1.6 trillion, or nearly 15 percent of GDP, on health expenditures. Medicare, the government’s single payer model for seniors, spent $267 billion. Analysts project national health care expenditures to reach $3.1 trillion by 2012 — nearly twice the amount spent in 2002. The dramatic numbers have a tendency to overstate the obvious — for many, the cost of insurance can be as much, if not more, than rent or a mortgage. Until the administration places its focus on the rising cost of health care, those costs will continue to escalate far exceeding the rates of earnings. Whether you subscribe to a higher monthly premium charged by an HMO or a payroll tax collected by Uncle Sam, someone has to pay the bill. Shifting the burden from our premium bill to our tax bill is not an acceptable solution. There are basic initiatives that policymakers need to address in an effort to streamline the delivery system and minimize the soaring cost of health care. First, encourage investments in technology improvements across all levels of the health care delivery system, including insurers, hospitals and physicians. For a $1.6 trillion industry in the 21st century, the technology employed is comparable to driving a Model T on a highway full of modern cars. Consider the banking industry. A simple piece of plastic, from any bank, allows you to purchase anything from antiques on eBay to milk at the local grocery store. In health care, the piece of plastic serving as an ID card serves little purpose other than to inform the physician where to send the bill. Physicians and their staffs then spend an inordinate amount of time completing the proper paperwork to get paid. Inefficiencies are expensive. Administrative expenses are the fastest-rising component of health expenditures. In 2002, public and private insurance spent $105 billion on administrative expenses, almost 13 percent more than in 2001. Support for developing common standards and technology improvements is necessary to eliminate the costly inefficiencies that contribute to rising health costs. Next, support the release of cost and quality information. Most of us know where we can find the best deal on a car, mortgage or even shoes. But how many people can afford to buy something without Do you know the average cost of a physician office visit? We have grown accustomed to the minimal office co-payment as the benchmark for the cost of delivering care. Yet who would seriously consider a As consumers, we are asked to bear a greater share of health care costs. In return, we should demand more information about price and quality. Disclosure of such information has the potential to have There is no single magic bullet to solving the issues facing the American health care system. Our system is an immense and complex web of interdependencies. Expanded public financing and subsidies will provide only short-term relief unless the drivers of health care expenditures are resolved. Solely addressing the problem by throwing more money at it, public or private, while ignoring the elephant in the living room serves little to alleviate the large financial burden the health care system We must accept the fact that health care in the United States is expensive and get to work on long-term solutions that will effectively control costs. We have the ability to control health care costs in this country; what we lack are the commitment and About The Author JOHN R. CANTILLO is vice president of underwriting at VISTA.
Columbus - Many leading insurance companies offer affordable Ohio health insurance plans. Health insurance websites that represent major healthcare providers provide information on various plans so that consumers can compare the benefits offered and find the one that best suits their needs.
Read more...American workers will pay about $4,000 to get health insurance for their families through work this year, 14 percent more than in 2009, according to a survey today from the Kaiser Family Foundation.
Read more...The creation of state-based health insurance exchanges under the recently enacted health care reform act will give federal and state governments the opportunity to move from a volume-based to a value-based health care system by putting in place measures to better reward the provision of primary care services. That was one of the main messages delivered by AAFP President Lori Heim, M.D., of Vass ...
Read more...THURSDAY, Sept. 2 (HealthDay News) -- As the provisions of the Affordable Care Act begin to be implemented, many small businesses in the United States will be able to take advantage of new tax credits, a new report shows.
Read more...Employers keep shifting a larger share of health costs to their employees. Higher premiums, deductibles and copayments are making health insurance less affordable for people who get coverage at work.
Read more...Small business owners Gordon and Babette Brennan used to pay as much as $800 a month for health insurance. But the Jupiter, Fla. couple felt like they received little in return: Claims for ordinary pediatrician visits for their son Ryan were denied. Procedures like blood tests weren't covered. Co-pays were $40 a pop.
Read more...The journey toward health care reform reached a historic milestone March 22 when the House approved legislation that would extend coverage to 32 million more Americans and impose new restrictions on the insurance industry.
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